Our 38th company in the Series of Best Stocks to Buy in India for Short term 2022 is Aptus Value Housing Finance India Ltd.
This company is good for investing purpose or not ?
Let’s start with the Company profile
Company Profile :
Aptus Value Housing Finance India is an India-based housing finance company focused on offering financial solutions to self-employed middle-income customers from semi-urban and rural markets.
Now Let’s check the important fundamental figures of this company. This is a small cap company with Market Cap ₹17,368cr. We can check more fundamental details below in depth:
Company Fundamental Detail :
PE Ratio: 46.92
Sector PE Ratio: 21.02
PE Ratio of this company is high than Sector’s PE. So it’s a Below Average PE than the peers of this company.
PB Ratio : 5.96
Sector PB Ratio : 2.22
PB Ratio of this company is high than Sector’s PB ratio. So it’s Good PB than the peers of this company.
Dividend Yield : 0.05%
Sector Dividend Yield : 0.85%
Dividend Yield of this company is low than Sector. Dividend of this is Below Average than the peers of this company.
ROE: 11.14%
ROCE: 11.25%
ROE (Return on equity) and ROCE (Return on capital equity) is Below Average.
According to above data, this company is looking fundamentally average. Now We’ll check the company Financially data:
Company Financial Detail
| Year | Revenue(cr.) | Profit(cr.) |
| 2022 | 840.21 | 370.13 |
| 2021 | 658.21 | 266.94 |
| 2020 | 523.72 | 211.01 |
| 2019 | 338.42 | 111.70 |
We should check now liabilities of company also in the below table
Total Current & Non Current Liabilities
| 2022 | 2021 | 2020 | 2019 |
| 2,767.89 | 2,540.71 | 2,037.72 | 1,663.33 |
Liabilities of a company refers to the debt of that company. We should also aware the debt of company. In 2022 ,Company have 2,767.89Cr. debt.
Let’s check the Free Cash flow of the company
Free Cash flow
| 2022 | 2021 | 2020 | 2019 |
| -727.18 | -622.36 | -737.29 | -716.72 |
Asset Level: Aptus Value Housing Finance Assets to Equity ratio (1.9x) is low.
Allowance for Bad Loans: Insufficient data to determine if Aptus Value Housing Finance has a sufficient allowance for bad loans.
Low Risk Liabilities: Aptus Value Housing Finance reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if Aptus Value Housing Finance has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: Aptus Value Housing Finance reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if Aptus Value Housing Finance has an appropriate level of bad loans.
Share Holding Pattern
| Promotor Holding | Foreign Institution | Mutual Fund | Other Domestic Institutions | Retail & Others | |
| Jun 2022 | 62.35% | 29.12% | 1.42% | 1.43% | 5.69% |
| Mar 2022 | 62.35% | 29.01% | 1.42% | 1.35% | 5.88% |
| Dec 2021 | 62.35% | 28.64% | 1.17% | 1.36% | 6.49% |
| Sep 2021 | 62.35% | 27.94% | 1.17% | 1.36% | 7.02% |
Above table showing there is no big change in Promotor Holding which is 62.35% in June 2022. FIIs invested in June 2022 with 29.12% and retail investor is 5.69% .
Investment Checklist for Aptus Value Housing Finance India Ltd.
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The company is currently profitable
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Volatile share price over the past 3 months
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Earnings are forecast to grow by an average of 17.5% per year for the next 3 years
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The company’s earnings are high quality
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Profit margins improved or Aptus Value became profitable
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They have sufficient analyst coverage
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No concerning events detected
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Shareholders have not been meaningfully diluted in the past year or recently listed
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Revenue is meaningful (₹7B)
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Market cap is meaningful (₹174B)
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Aptus Value does not have negative shareholders equity.
According to its historical performance we can predict stock target.
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Entry Buying Zone : Premium members can see only
Target: Premium members can see only
Time Horizon:Premium members can see only
Risk Profile: Premium members can see only
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Entry Buying Zone : 280 to 300
Target: 400 (40% Upside)
Time Horizon: 6-8 Months
Risk Profile: Low Risk (Stock is 1.88x as volatile as Nifty)
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Hope you liked Our 38th company in the Series of Best stocks to buy in India for short term 2022. We tried to cover many important things about this company, if you think anything left to cover, you can comment us and we’ll try to cover those things also.
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